My fermenter is located in the garage. In the spring and fall, we can get quite significant temperature swings, so I have both heating and cooling hooked up. I have a stainless Brewtech fermenter with a neoprene jacket. For cooling, I use chilled water through the lid mounted heat exchanger coils. For the heating, I use a seedling mat that wraps about halfway around the vessel. To control the cooling, the temperature probe goes into the thermowell. For the heating control, I have a separate controller with the probe placed directly on the surface of the fermenter under the neoprene jacket, roughly at 180 degrees around from the center of the seedling mat.
During active fermentation, the temperatures for the heating and cooling probes are within about 1 degree. This is likely due to movement (very slow movement) of the wort in the fermenter caused by release of CO2. After the very active fermentation is complete, I'll see a 2-3 degree difference sometimes, particularly if it is very warm or very cold in the garage.
A thermowell will generally work better than a surface mount. However, a surface mount probe can be used with pretty decent accuracy if you make a small modification and place some insulation over the probe. For a plastic fermenter located in a chamber where you're controlling air temperature, I would tape a 6" x 6" piece of neoprene or double thick Reflectix. This should work well if you don't have a thermowell. And in a temperature controlled fridge, you won't get the extremes of ambient temperature.